Bank of America^® Unlimited Cash Rewards credit card for Students Review

Last Updated on August 24, 2026

Offer Rating

4/ 5

By Our Content Team

Enjoy a generous welcome offer as well as unlimited cash back with the Bank of America^® Unlimited Cash Rewards credit card for Students. Read more and find out how you can build your credit with responsible use!

Editor

4.0

CompareCredit Score

Limited Time Offer
Earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

on Bank of America's secure site

Limited Time OfferEarn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Rewards RateEarn unlimited 1.5% cash back on all purchases
Intro APR0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
Annual Fee$0
Credit Score NeededExcellent/Good
Card Brand

Product Details

Select to apply online
Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
No annual fee.
Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards^™ members earn more cash back.

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Select to apply online
Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
No annual fee.
Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards^™ members earn more cash back.

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Top Rated For

Best Student Credit Cards

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

4/ 5

By Our Content Team

Key Benefit

Earn unlimited cash back and a hefty welcome offer with this student card

The Bank of America^® Unlimited Cash Rewards credit card for Students offers exactly what the name implies: Unlimited 1.5% cash back on all purchases! That certainly is not all this card has to offer; cardholders can also earn a large welcome offer and build their credit with this no annual fee card. Building credit history can be vital if you want to purchase a house, rent an apartment, or even apply for a car loan.

This card can help build a student's credit history with responsible use while offering 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers. Plus, earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening! The Bank of America^® Unlimited Cash Rewards credit card for Students is a great option for students who want to earn unlimited cash back across every purchase.

Pros & Cons

Pros

Unlimited cash back on every purchase
A large welcome offer
This card can help you build your credit history
No annual fee

Cons

There is a foreign transaction fee

Pros Explained

Unlimited cash back on every purchase: Cardholders can earn an unlimited 1.5% cash back on all purchases
A large welcome offer: Earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
This card can help you build your credit history: With responsible use, this card will help you build your credit history. That can be helpful when looking for an apartment or car loan!
No annual fee: Enjoy no annual fee for being a cardholder